Who We Are

AirConditioningLoans.com assists home owners seeking Affordable options to purchase a NEW Air Conditioning Unit with loan financing and matching them with a quality installation contractor in their area.

No matter the shape of your credit profile and credit history, AirConditioningLoans.com can help you improve your credit rating while also helping you improve your home cooling and heating system.
Because our underwriters take the time to personally examine each loan application individually, AirConditioningLoans.com is able to ensure your best chance for loan approval quickly and confidentially.
We allow you to apply through our secure on-line automated system, over the telephone or via fax. Whichever method you choose to use, AirConditioningLoans.com typically responds with a loan decision within 5 minutes.

AirConditioningLoans.com. (ACL) a subsidiary of Xpress Financial is a specialty finance company located in Miramar, Florida providing Contractors with financing for their Customers. ACL operates from one central location providing financing through its dealer network throughout the following States:

Alabama

Alaska

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

Florida

Georgia

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia

Washington

West Virginia

Wisconsin

Wyoming

AirConditioningLoans.com takes the worry and potential embarrassment out of the loan approval process. With convenient pre-financing options, you can know if you are eligible to receive financing before you schedule a new air conditioning replacement.
We offers an extensive array of loan options with interest rates ranging from 2.0% to 12.9% and a full range of payment plans to choose from. AirConditioningLoans.com offers fixed term loans up to 60 months with 100% No payments for 6 month or 12 month w.a.c., and revolving line of credit with 6, 12, 18, and 24 month deferred interest plan, no pre-payment penalties, 0% interest on approved credit with loans from $1,000 to $30,000 are available.
We make payments directly to your quality contractor of choice after the installation is complete. Once your signed loan contract is received in our offices, payment can be issued within 24 hours via wire transfer or overnight check to the installing contractor. Since you donít have to worry about payment to your contractor, you can concentrate on having the best energy saving cooling and heating system.
Most importantly, AirConditioningLoans.com offers exceptional customer care. We are always available to answer your questions, help with payment plans and discuss your loan qualifications. AirConditioningLoans.com offers all of our services in Spanish and English.
Activate a Loan.

Why AirConditiongLoans.com?

Our Business Model

AirConditioningloans.com business model is different than most financial institutions. We focus primarily on loans and leases for air conditioning system HVAC for consumers or businesses. We underwrite or we outsource to banks that bid on your loan or lease request, in turn that allows you to get approved at the lowest interest rate with a broader credit scores approved. We finance what we know, Air Conditioning home comfort systems. We can offer customers the benefit of our industrial experience and our domain expertise across the industries. Get the purchasing power you need so you can buy what you want today. Put it all on a new account from AirConditioningLoans.com and get convenient low minimum monthly payments. *Low as $ 20.00 a month

Fast

Quick and simple application process

Instant credit decisions

Affordable

Low minimum monthly payments*

Special financing opportunities*

Conserve money on an unexpected purchase

Secure

Worry free online application process

Dependable and safe access 24/7 approval process

The Power of AirConditioningLoans.com

Rely on the financial stability of a trusted company. AirConditioningLoans.com, —can help you finance your dreams and make them reality! The Offer: 3, 6, 12 or 18-Month Same-As-Cash

No money down

No payments (there’s a 3, 6, 12 or 18 month payment deferral)

No interest (if paid in full during the SAC period)

Provides More Value

Get your new Air Conditioning System Today—No hassles finding cash for a down payment

No additional expense—Use the bank’s money interest-free (if paid in full
during the SAC period) & no closing costs or prepayment penalties

It’s quick and easy—a paperless, telephone application with a credit
decision in about 10 minutes

A more secure choice—provide your personal information directly to the
bank & we make sure you are satisfied with the job before we pay the dealer.

“One of the benefits of working with our company for your home improvement air conditioning project is 180-Day or 365 Day Same-As-Cash as a payment option. Many customers like the no interest and no payment features.”